The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$29,500
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,418
−HK$932/mo
Today · 4.125%
HK$31,350
baseline
▲ 0.50% · 4.625%
HK$33,258
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,700/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,819
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,699
−HK$893/mo
Today · 4.125%
HK$34,592
baseline
▲ 0.50% · 4.625%
HK$36,415
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,184/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,400
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,501
−HK$1,119/mo
Today · 4.125%
HK$37,620
baseline
▲ 0.50% · 4.625%
HK$39,909
+HK$2,289/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,240/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,382
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,438
−HK$1,072/mo
Today · 4.125%
HK$41,510
baseline
▲ 0.50% · 4.625%
HK$43,698
+HK$2,188/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$83,020/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,300
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,585
−HK$1,305/mo
Today · 4.125%
HK$43,890
baseline
▲ 0.50% · 4.625%
HK$46,561
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,780/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,946
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,178
−HK$1,250/mo
Today · 4.125%
HK$48,428
baseline
▲ 0.50% · 4.625%
HK$50,981
+HK$2,553/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,856/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,100
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,752
−HK$1,678/mo
Today · 4.125%
HK$56,430
baseline
▲ 0.50% · 4.625%
HK$59,864
+HK$3,434/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,860/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,073
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,658
−HK$1,607/mo
Today · 4.125%
HK$62,265
baseline
▲ 0.50% · 4.625%
HK$65,547
+HK$3,282/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,530/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,144 · Scale 2, in force from 26 Feb 2026)